Latest Blog Posts

The FICO® Score is calculated from several different pieces of credit data in your credit report. This data is grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining how your FICO Score is calculated. ... read more

If you’ve never had a credit card or a loan, your credit history is a blank slate. Your credit history, as documented on your credit report, is a record of how responsibly you’ve repaid money you’ve borrowed. Creditors and lenders use your credit history to make decisions about wh... read more

Thinking about getting a loan for a car soon? Take some time and plan out what you are willing to do as far as down payment, monthly payments and loan terms. This website can help calculate what your monthly payments will be and when your vehicle will be paid off. It's always a good ide... read more

You've just learned that your request for an auto loan with XYZ Bank has been denied. The loan officer explains that the decision has to do with your credit score. XYZ lends only to prime borrowers; your credit score, she continues, places you squarely in subprime territory.

There’s an age old saying that, “it takes money to make money.” Well, it also applies to credit cards and credit scores, as you have to have a card to rehabilitate your credit score. Of course, if your score is too low, then you will likely be rejected when applying for a card. So... read more

What Client’s Say

I never thought I could get approved after what I had been through, but I needed a car so I thought I would give it a try. The process with ROC Auto Loans was so easy and I had an approval answer that same day! I ended up buying exactly the car I wanted. Thanks ROC Auto Loans!

Jennifer C.Rochester, NY

I had tried getting approved for a loan and been rejected so many times that I had given up. Not only did ROC Auto Loans get me approved, I got an even better rate than I expected.

John M.Kendall, NY

Our family needed a reliable vehicle at a price we could afford. ROC Auto Loans had the perfect vehicle and the payment was well within our budget. The car buying process was so simple and painless, I would definitely recommend them to anyone in the market for a new or used vehicle.”